Loan/Credit Officers (LCO0126)

Role Summary:

The Loan/Credit Officer will be responsible for sourcing qualified borrowers, conducting preliminary credit assessments, managing customer relationships, supporting loan disbursement processes, and ensuring timely repayment collections.

The ideal candidate should possess strong sales ability, customer relationship management skills, and a basic understanding of credit/risk assessment.

Key Responsibilities:

A. Business Development & Loan Origination

i. Source and onboard qualified loan applicants.

ii. Promote NimbleFinCo loan products to individuals, salary earners, SMEs, and businesses.

iii. Build and maintain relationships with clients, agents, cooperatives, and partner organisations.

iv. Meet assigned monthly loan disbursement and portfolio growth targets.

B. Credit Assessment

i. Conduct preliminary borrower screening and documentation review.

ii. Verify customer information, income sources, and repayment capacity.

iii. Assist in credit risk assessment and recommendation processes.

iv. Ensure all KYC and compliance requirements are properly completed.

C. Loan Processing & Monitoring

i. Guide customers through the loan application process.

ii. Follow up on pending documentation and approvals.

iii. Monitor active loans and maintain accurate customer records.

iv. Provide regular portfolio and performance updates to management.

D. Collections & Recovery

i. Follow up on repayment schedules and overdue accounts.

ii. Maintain healthy repayment performance across assigned loan portfolios.

iii. Escalate delinquent accounts where necessary.

iv. Support recovery efforts while maintaining professional customer relationships.

Requirements:

· Bachelor’s Degree or HND in Finance, Banking, Business Administration, Economics, Marketing, or a related field.

· 1–3 years of experience in lending, microfinance, fintech, banking, sales, or credit operations.

· Strong communication, negotiation, and relationship management skills.

· Ability to assess customer credibility and repayment capacity.

· Good knowledge of Microsoft Excel and digital tools.

· Target-driven with strong attention to detail.

· Ability to work independently and in a fast-paced environment.

Preferred Qualities:

· Experience in fintech, microfinance, or consumer lending.

· Existing network within SME or salary-earner markets.

· Strong recovery and collections experience.

· Familiarity with credit bureau checks and loan management processes.

Compensation

• N200,000.00 - N250,000.00 monthly
• Performance-based incentives tied to loan disbursement, portfolio quality, and repayment performance.

Pay: ₦200,000.00 - ₦250,000.00 per month

Application Question(s):

• What was the approximate monthly loan portfolio or disbursement volume you managed in your previous role?

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